11/02/2023

I- mortgage sesinye sezibophelelo zezemali ezibalulekileyo oya kuzenza ebomini bakho, kwaye ukukhetha uhlobo oluchanekileyo lwe-mortgage kunokuba nempembelelo enkulu kwimpilo yakho yezemali.Olunye ukhetho oludumileyo phakathi kwabathengi bamakhaya yimali-mboleko yeminyaka engama-30 emiselweyo, kwaye kweli nqaku, siza kuphonononga iimpawu zayo, izibonelelo, kunye nokuba inokuchaphazela njani uzinzo lwakho lwezezimali.

Izinto eziSisiseko ze-30-yeminyaka ye-Fixed Rate Mortgage

Imali-mboleko yeminyaka engama-30 yemali-mboleko luhlobo lwemali mboleko yendlu apho izinga lenzala lihlala lingaguquki kulo lonke ixesha leminyaka engama-30.Oku kuthetha ukuba iintlawulo zakho zenyanga zokubambisa nazo ziya kuhlala zinjalo kubo bonke ubomi bemali-mboleko, ukubonelela ngemvakalelo yokuqikeleleka kunye nokuzinza.

Ezona mpawu:

• Inzala eZinzileyo: Izinga lenzala livalelwe ngexesha lokuthatha imali-mboleko kwaye alitshintshi kwixesha lemali-mboleko.Olu zinzo ngomnye weyona nto inomtsalane kwimali-mboleko yeminyaka engama-30 yexabiso elimiselweyo.
• Ixesha leMboleko eLide: Ngexesha leminyaka engama-30, unexesha elingakumbi lokuhlawula imali-mboleko, nto leyo enokukhokelela kwiintlawulo eziphantsi zenyanga xa kuthelekiswa neemali mboleko zexesha elifutshane.
• Iintlawulo zeNyanga ezingaguqukiyo: Iintlawulo zakho zenyanga zokubambisa, kubandakanywa inqununu kunye nenzala, aziguquguquki, zenza uhlahlo lwabiwo-mali kunye nocwangciso lwezemali lulawuleke ngakumbi.

Izibonelelo ze-30 yeminyaka yokubolekwa kweRate eZinzileyo

1. Iintlawulo zeNyanga eziqikelelweyo

Ngemali-mboleko emiselweyo yeminyaka engama-30, iintlawulo zakho zenyanga zihlala zizinzile, nto leyo ekuvumela ukuba ucwangcise uhlahlo lwabiwo-mali lwakho ngempumelelo.Akukho ukunyuka okungalindelekanga kwiindleko zakho zezindlu, eziluncedo ngokukodwa kwabo bakhetha imbono yemali ezinzileyo.

2. IiNtlawulo zeNyanga eziphantsi

Ixesha lemali-mboleko elandisiweyo lemali-mboleko yeminyaka engama-30 ngokuqhelekileyo likhokelela kwiintlawulo eziphantsi zenyanga xa kuthelekiswa neemali mboleko zexesha elifutshane.Oku kunokwenza ukuba ubunini bezindlu bufikeleleke ngakumbi, ngakumbi kubathengi bokuqala.

3. UCwangciso lwezeMali lweXesha elide

Ubume bexesha elide beli mboleko-mali livumela ukucwangciswa kwezemali okwandisiweyo.Inokukhulula imali yolunye utyalo-mali okanye iinjongo zogcino ngelixa usenekhaya.

4. Inzala eZinzileyo

Inzala kwimali-mboleko yeminyaka engama-30 yemali-mboleko ihlala injalo, ikukhusela ekunyukeni kwenzala.Oku kunokuba yinzuzo ebalulekileyo kwindawo yokunyuka kwexabiso, njengoko intlawulo yakho yemali mboleko ihlala ingachaphazeleki.

5. Amathuba okuxhasa ngemali kwakhona

Ngemali ebolekwayo enexabiso elimiselweyo, unokukhetha ukuphinda uxhase ngemali ukuba inzala iyehla.Oku kunokukhokelela kwiintlawulo eziphantsi zenyanga kunye nokonga okubalulekileyo kwexesha elide.

Izinto Emaziqwalaselwe

Ngelixa i-mortgage yeminyaka engama-30 emiselweyo ibonelela ngeenzuzo ezininzi, kubalulekile ukuqwalasela izinto ezimbalwa:

• Inzala iyonke eHlawulweyo: Ngenxa yexesha elongeziweyo lemali-mboleko, ungahlawula inzala ethe chatha kubomi bemali-mboleko xa kuthelekiswa nezindlu zokubambisa zexesha elifutshane.
• Ulwakhiwo lwe-Equity Buildup: Ukwakha i-equity yekhaya kunokuthatha ixesha elide kunye ne-30 yeminyaka yokubambisa, njengoko inxalenye ebalulekileyo yentlawulo yakho yokuqala iya kwinzala.
• Iinjongo zezeMali: Qwalasela iinjongo zakho zezimali zexesha elide kunye nokuba i-30 yeminyaka ye-mortgage esisigxina ehambelana nayo.

I-30 yeminyaka eZinzileyo yokubolekwa kwezindlu

Ngaba iminyaka engama-30 yokubolekwa kweMali eZinzileyo ikulungele wena?

Ukufaneleka kweminyaka engama-30 yokubambisa ngexabiso elimiselweyo kuxhomekeke kwimeko yakho yemali eyodwa kunye neenjongo.Ukuba uxabisa ukuqikelelwa, iintlawulo eziphantsi zenyanga, kunye nokukwazi ukucwangcisa ixesha elide, le nto yokubambisa inokuba lukhetho oluhle kakhulu.Nangona kunjalo, kubalulekile ukuba uvavanye iinjongo zakho zemali kwaye uqwalasele izinto ezifana nenzala epheleleyo ehlawulweyo kubomi bemali mboleko.

Xa usenza eso sigqibo sibalulekileyo sezemali, kuyacetyiswa ukuba udibane nengcali yezemali mboleko okanye umcebisi wezemali onokukunceda ukuvavanya iimeko zakho ezithile kwaye akukhokele kwimali-mboleko ehambelana neenjongo zakho.

Ukuqukumbela, imali-mboleko yeminyaka engama-30 yexabiso elimiselweyo inika uzinzo kunye nokufikeleleka, oko kuyenza ibe lukhetho oludumileyo kubathengi abaninzi.Ukuqonda izibonelelo zayo kunye nokuqwalasela imeko yakho yezemali eyodwa kuya kukunceda ubone ukuba yimali-mboleko efanelekileyo kuwe.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.